I thought all day about what topic to start with. And there are so many. Do I start with light topics. Or heavy topics. Ugh. I decided I just couldn’t decide. Lol. So I picked one. And that will be the flow of this. I most likely will get my topics for the day from posts from fb. I see so many every day. So I’m hoping this will help you guys prior to bringing home a pup. Not after.
so the topic today is insurance. Pet insurance. I send you home with 30 days of free insurance from trupanion. No string attached. No waiting period. There are lots of companies on the market. Trupanion just happens to have a great Breeders program that I can give you with no waiting period. First let’s start with if insurance is important or not. I recommend doing it for 1 year. By a year they are adults and don’t tend to have as many emergencies issues. Puppies eat everything. And I don’t want to scare you. But 3 of Maggie’s pups last litter ate mushrooms the first week home and ended up in er for 3 days checking liver. Not joking. 3 different pups in different areas. 2 in Maryland and one in Virginia. Up until that I have only had a handful eat weird things. But I had 2 jump things and break legs. One jumped a baby gate. Another ran head first into a deck step and break a leg. Crazy things. Now remember I’ve sent home over 100 puppies in 7 years. So static’s are not common that you are going to need insurance. But having it is peace of mind. I like insurance for the first year. After that I feel you have adjusted to having a pup, they are not eating everything possible and it’s not as necessary. Now the companies I’ve heard good things about are healthy paws, embrace, and ASPCA, and obviously trupanion. If you decide to pick a different company, at least enroll in trupanion for the first free 30 days. Because most companies have a waiting period. This way you are covered with no lapse. I will give you a certificate the day you pick up your pup. You must go online and enroll with in 24 hours of picking up the puppy. I don’t get any kick backs from this. I don’t know if you enrolled or not. The only thing trupanion gives me is free blankets every spring and a bunch of literature to send home. That’s it. I don’t make money for referring them. I always get the call a couple weeks later, hey we had to run to emergency vet and we are wondering why we don’t have insurance. So I try to stress this and I’ll say it a couple times, you have to enroll. I can’t do it for you. And the free insurance only covers 80% of the bill for emergencies. Not shots. Not normal care. Emergencies only. 80% of the bill. They have other plans. So do other companies. Which leads me to the next topic, wellness plans. I do not like wellness plans. At all. I really don’t like them. First, pick a good vet. I don’t like chain store vets. I like an actual veterinarian. Most at those places are not fully licensed vets. You will need to go to the vet 3-4 times for booster shots. Then not again till spay/neuter. Then yearly shots. We will do a blog on spay neuter as well as shots. So I won’t get into all that now. But I will. So homework is start looking at insurance plans. See what the monthly costs are from different companies. Decide if you just want an OMG emergency plan. Or if you want everything covered. Pick your deductible. If your company offers health insurance, some also offer pet insurance. I know a couple families that went that route.